1.018
Revenuekr B
0.890
0.984
1.086
1.186
1.264
1.396
1.546
1.663
1.841
2.029
1.135
9.92%
9.45%
73
10.35
Revenue growth%
7.33
4.88
4.11
3.14
4.46
4.80
7.28
6.12
8.71
7.03
25.08
7.03
5.50
90
23.59
NIM%
6.76
6.19
8.39
10.24
8.57
9.77
10.59
11.54
12.67
10.54
23.85
10.59
10.01
63
4.06
Effic. R.%
14.60
15.05
13.97
13.14
15.89
17.57
18.26
15.85
15.91
14.36
15.10
15.91
15.45
32
14.37
Net margin%
11.94
10.43
9.88
10.67
10.59
11.94
9.55
8.28
9.36
9.45
22.04
9.45
10.15
81
14.37
P/E ratio (avg)x
14.57
14.37
13.94
15.59
15.88
16.91
17.77
17.30
17.44
19.35
13.32
17.44
16.40
44
33.82
P/TBVx
12.96
11.84
10.75
11.82
12.39
11.02
12.19
12.99
13.08
11.56
11.03
12.19
12.02
43
26.49
P/Bx
19.73
17.95
16.50
14.28
15.67
14.46
13.99
14.57
14.15
14.89
12.30
14.46
14.73
44
1.024
NIIkr B
0.638
0.701
0.774
0.851
0.893
0.978
1.097
1.191
1.305
1.456
0.498
10.28%
9.68%
—
29.11
NII grth%
28.80
29.14
29.61
30.49
29.72
31.76
29.57
27.27
27.41
29.38
9.54
29.38
29.47
17
13.06
ROTE%
19.05
17.10
19.46
18.05
19.45
18.42
18.31
20.01
17.44
16.07
11.04
18.31
18.37
46
13.30
Return on equity%
13.51
13.34
15.25
15.84
17.18
16.12
17.72
14.73
12.04
14.63
8.60
14.73
14.99
13
16.55
Return on assets%
26.65
27.15
28.37
25.62
27.20
24.61
23.29
21.15
23.55
22.00
8.14
23.29
25.12
45
26.36
EPSkr
95.37
87.84
88.07
100.98
102.54
99.01
90.03
103.11
109.53
108.36
27.90
1.11%
1.70%
—
10.49
EPS growth%
35.26
36.55
36.33
38.62
38.38
35.57
34.59
36.44
33.90
36.11
3.48
35.57
36.22
44
85.55
Bookvalue per shkr
75.10
82.50
83.29
79.78
92.88
96.57
101.58
110.64
129.68
125.56
37.90
6.21%
5.34%
—
80.88
TBV/shkr
28.33
26.72
26.01
26.84
26.09
26.39
23.89
22.03
24.55
25.78
57.56
(0.23%)
(1.99%)
—
72.98
Dividend per shkr
16.85
17.67
17.56
18.62
18.39
17.46
15.72
15.45
15.91
14.68
19.08
(4.41%)
(1.70%)
—
23.23
Div yield (avg)%
2.78
4.54
4.61
4.18
2.65
0.59
0.40
0.40
1.28
3.91
18.50
0.59
2.72
6
21.97
Payout ratio%
5.03
5.33
4.94
3.21
0.90
0.40
0.40
2.15
3.73
3.70
18.81
2.15
3.46
67
15.44
Shares (diluted)M
15.21
14.17
13.49
14.43
12.44
13.04
11.49
11.08
10.64
9.752
15.74
(4.75%)
(4.52%)
13
15.83
Buyback yield%
24.09
24.85
22.80
24.89
27.17
24.81
24.77
22.02
23.84
23.57
8.79
23.84
24.43
81
120.77
Eq/Assets%
65.15
60.55
59.59
60.90
57.44
66.27
62.56
72.88
75.47
72.67
51.41
72.67
63.85
76
1,500
Assetskr M
322.7
355.2
384.1
413.8
453.6
487.9
524.6
591.6
636.9
706.6
278.3
9.27%
8.99%
51
0.782
LT debtkr B
1.048
0.983
1.091
1.106
1.178
1.342
1.439
1.406
1.643
1.594
0.185
6.24%
3.62%
7
Non-interest expense
9.30%
0.99×
Net interest income
71.76%
Non-interest income
28.24%
Return on capital
260.21%
Spread over hurdle
254.40%